The Clark Howard Podcast

12.29.25 Save On Ride Share Services / Up In ARMs - The Adjustable-Rate Mortgage

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Dec 29, 2025
Get ready for a bustling New Year's Eve with money-saving tips for ride-sharing options like Uber and Lyft. Discover the surprising price differences between the two services to snag the best deal. On the housing front, adjustable-rate mortgages are making a comeback, but Clark stresses the potential risks involved. Learn when it might actually be wise to consider an ARM. Plus, gain insights into digital wallet security and tips for effective travel booking. Tune in for practical advice that could save you money as the year wraps up!
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ANECDOTE

Philadelphia Airport Run Comparison

  • Clark tried SEPTA in Philadelphia but it took too long so he compared Uber and Lyft to make his airport run.
  • He used both apps and picked the cheaper one to meet his tight schedule.
INSIGHT

Robo-Taxis Will Reshape Urban Transport

  • Robo-taxis (Waymo, Tesla efforts) will add a third comparison to ride choices in many cities next year.
  • Growing robo-taxi availability could reduce car ownership and reshape parking needs within a decade.
ADVICE

Temporarily Thaw Credit For Insurance Quotes

  • If shopping for auto or homeowners insurance, thaw your credit temporarily if the insurer relied on credit info.
  • Ask the insurer to rerun checks after thawing to potentially lower rates based on good credit.
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